LA4 Morecambe, Torrisholme cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £126,021
Input Equity (£31,505)
Input Equity FX (£31,505)
Total Input Equity (£31,505)
Total Input Equity FX (£31,505)
Item On Purchase On Completion Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Property Price/Value £126,021 £126,021 £126,021 £126,021 £126,021 £126,021 £126,021 £126,021 £126,021 £126,021 £126,021 £126,021
Finance Amount £94,516 £94,516 £91,692 £88,724 £85,605 £82,325 £78,878 £75,254 £71,446 £67,442 £63,233 £58,809
Monthly Mortgage   (£624) (£624) (£624) (£624) (£624) (£624) (£624) (£624) (£624) (£624) (£624)
Monthly Rental   £523 £523 £523 £523 £523 £523 £523 £523 £523 £523 £523
Yield to Purchase Price %   4.98% 4.98% 4.98% 4.98% 4.98% 4.98% 4.98% 4.98% 4.98% 4.98% 4.98%
Yield to Property Value %   4.98% 4.98% 4.98% 4.98% 4.98% 4.98% 4.98% 4.98% 4.98% 4.98% 4.98%
Gross Monthly Cashflow   (£100) (£100) (£100) (£100) (£100) (£100) (£100) (£100) (£100) (£100) (£100)
Gross Annual Cashflow   (£1,205) (£1,205) (£1,205) (£1,205) (£1,205) (£1,205) (£1,205) (£1,205) (£1,205) (£1,205) (£1,205)
Gross Annual Expenses                        
Annual Management Expenses   (£352) (£352) (£352) (£352) (£352) (£352) (£352) (£352) (£352) (£352) (£352)
Gross Annual Cashflow less Expenses   (£1,519) (£1,519) (£1,519) (£1,519) (£1,519) (£1,519) (£1,519) (£1,519) (£1,519) (£1,519) (£1,519)
Vacancy Expenses                        
Net Annual Cashflow   (£1,519) (£1,519) (£1,519) (£1,519) (£1,519) (£1,519) (£1,519) (£1,519) (£1,519) (£1,519) (£1,519)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£1,519) (£1,519) (£1,519) (£1,519) (£1,519) (£1,519) (£1,519) (£1,519) (£1,519) (£1,519) (£1,519)
Net Yield %   (1.21%) (1.21%) (1.21%) (1.21%) (1.21%) (1.21%) (1.21%) (1.21%) (1.21%) (1.21%) (1.21%)
Debt Coverage Ratio (1:x)   0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80
Personal Equity £31,505 £31,505 £34,329 £37,297 £40,416 £43,696 £47,143 £50,767 £54,575 £58,579 £62,788 £67,212
Effective Gearing % 75.00% 75.00% 72.76% 70.40% 67.93% 65.33% 62.59% 59.72% 56.69% 53.52% 50.18% 46.67%
Potential Profit   (£1,557) £1,267 £4,235 £7,355 £10,634 £14,081 £17,705 £21,514 £25,517 £29,726 £34,150
Return on Investment %   (4.94%) 4.02% 13.44% 23.34% 33.75% 44.69% 56.20% 68.29% 80.99% 94.35% 108.39%
Cumulative Inflation Rate %     2.00% 4.04% 6.12% 8.24% 10.41% 12.62% 14.87% 17.17% 19.51% 21.90%
Real Potential Profit   (£1,557) £1,242 £4,067 £6,922 £9,808 £12,728 £15,684 £18,676 £21,709 £24,784 £27,903
Real Return on Investment %   (4.94%) 3.94% 12.91% 21.97% 31.13% 40.40% 49.78% 59.28% 68.91% 78.67% 88.57%